1. Application conditions for house mortgage: the nature of the house; Houses, office buildings, villas, commercial houses, cost houses, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years, the mortgagor (normal age 18-65 years old) is in good health, the mortgagor can prove the source of repayment, and other assets (large deposit certificates, two houses, stocks, funds, etc.). ) and the actual use of funds.
2. Preparation materials: ID card of borrower and spouse, original and photocopy of household registration book (if single, single certificate is required), proof and photocopy of borrower's marital status, proof and photocopy of family property and car ownership, other assets proof materials (original and photocopy of house ownership certificate, land use certificate and deed certificate), personal main bank account statement (with bank seal) in the last 6 to 12 months, and work.
Legal basis: People's Republic of China (PRC) Commercial Bank Law.
Article 34 Commercial banks should conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies.
Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.